Let me say this right off the bat. Nowadays, most banks are a pain in the ass to work with. Short sales, REOs conventional loans, everything. What should be routine, is taking weeks, even months.
Notice I said most banks. If you need a new home loan or you just want to refinance your current place, I recommend to talk to my friend Ken Dickerson at Wells Fargo. He'll tell what he's going to do and then he does it. He will work with you. No surprises. No Games. No excuses.